Simple Life Insurance

Affordable life cover

Simple Life Insurance offers your clients protection that helps cover the essentials

Enhanced cover and additional options aren't for everyone. Aviva's Simple Life Insurance could give your clients peace of mind without breaking the bank.

With clear eligibility criteria, instant decisions and no need for medical evidence as standard, Simple Life Insurance offers straightforward, value for money protection from a brand you can trust.

Immediate cover

Instant decisions and no medical referrals as standard

Essential protection

No fuss – easy life cover from £3.50 a month

Claims you can count on

Please visit our claims hub for details of the claims we've paid.

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Product details

Why Simple Life Insurance?

We’re committed to making it as easy as possible for you to understand which of your clients Simple Life Insurance could be right for.

Use our helpful support materials below to find out more about Simple Life  Insurance.

Underwriting Guide

Adviser Guide

Customer Guide

Simple Life Insurance vs Life Insurance+ Product Comparison

Features and benefits

Simple Life Insurance comes with a number of benefits available at no extra cost:

  • Simple Life Insurance offers essential protection for your clients
  • Guaranteed Lump sum on death
  • Terminal Illness cover included
  • Guaranteed premiums starting from as little as £3.50
  • Level or Decreasing cover with selectable interest rates 
  • Immediate decisions
  • No medical referrals as standard 

Facts and Figures

Cover type


Level cover


Pays the cover amount as a lump sum if your client makes a successful claim.

The cover amount stays the same throughout the policy term.

Decreasing cover

Pays the cover amount as a lump sum if your client makes a successful claim.

The cover amount decreases each month broadly in line with the amount outstanding on a repayment loan, such as a capital and interest mortgage, using a fixed interest rate selected at the start of the policy.

Rates are available from 4% to 15%.



Min/max  Detail


Simple Life cover

Min age at entry

Max age at entry



- Pays out on death or terminal illness.

- The plan must end before your client's 71st birthday.

Payment limits

Min premium


- Premiums must be paid by direct debit.

Cover limits             

Max cover amount

18-39: £750k

40-49: £400k

50-54: £300k

55-59: £200k


Policy term

Min term

Max term

1 year

40 years




We're proud of our strong track record of paying claims.  Visit our claims hub for details of the claims we've paid and the great work we do to support our customers when they need us most.

If your clients need to claim, we’ll do all we can to reduce their stress and anxiety at what is an incredibly difficult time. From help with filling out paperwork to answering questions, we’ll be there for your clients, and their families, when they need us most.

To make a claim, they can call the team on:

0800 158 3467

Monday-Friday 8:00am-6:00pm

Saturday 8:00am-2:00pm

Please be aware calls may be recorded


Or, if they can't face talking about what's happened, they can get the process started online instead.

Your client can fill in an online form to tell us they need to make a claim.

Quote, apply and track cases online

Visit ALPS

Business support

Doing protection business just got easier

We're committed to making it easy to do protection business with us, so we've produced a range of helpful support materials - all designed to save you time.

ALPS in focus guide

Gain knowledge on what ALPS has to offer you, whilst discovering some of the tips and tricks that could save you time. 

Underwriting centre

Our digital hub contains everything you need to know about our underwriting.

Haven't found what you're looking for?

You can email our protection sales and support team on:

Open Monday-Friday, 9am-5pm.

Or, alternatively, see our contact us page for a full directory.